Under the Motor Vehicles Act 2018 of Bangladesh, what is the consequence if a driver causes a fatal accident due to reckless driving?

1. A small fine paid directly to the victim's family
2. Criminal prosecution under the Penal Code, which can result in imprisonment for up to 5 years, a heavy fine, or both
3. A mandatory 1-year suspension of their driving licence and a warning
4. No criminal charges if the vehicle has valid third-party insurance